House Buying Tips

Beach ChairFor those looking to buy a new home right now in this uncertain economy, there are some steps you may wish to include in your efforts.

One thing is reducing credit card debt.

If you want to get rid of credit card debt you need to focus on one card at a time. By that, I mean that we pay more than the minimum monthly payments for one card, and then pay a substantial amount on the other cards if you have them.

It’s not easy but by paying more than the minimum you will get the balance down lower and will pay less interest. 

Interest rates are so high that paying an equitable amount on each one every month was really getting us nowhere, and it began to feel like we were being crushed by credit card debt.

Ever since the housing crisis hit, it’s like the clock on the housing market in this country has been turned back about 30 years. The mortgage lenders are tightening their rules and they want to be far more conservative that they have been in recent memory. What that means is that if you want a good deal, you had better come in with stellar credit score of 740 or so. That’s how you get the best combination of competitive interest rates, fees and points.

I suggest asking a professional real estate agent to help you connect with people who can work on your credit score. They know the people that get results.

Want to live at the beach? More info at Find My Beach House

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Beach Houses – Consider Rentals

You may want to consider renting a beach house before you buy.

I had some of my best times just walking along the beach. My family never had a lot of money, but it did not matter. We were not far from some of the most spectacular beaches in the country!

Beach house rentals allow you the pleasure of a scenic seaside vacation, and are popular all over the world. Some like to travel in winter to warmer climes while others, because of their schedules, get to travel in summer when the weather is at its hottest to take advantage of the mild weather and cool breeze going in off the ocean.

It is hard to make something of yourself when you have to pay bay area rent. It was only a matter of time before I had to move away. Now, I have money and success, but I don’t have the beach. I am in the strange position of looking at beach house rentals myself.

Beach tent

Beach tent—andrewmalone (Flickr.com)

I love travelling so I can stay in a house close to the beach!

My favorite beach houses are in Mexico. The dollar gets you far there, and it is easy for an American professional to be able to afford to sit on the beach sipping margaritas and pina coladas all day, without a care in the world. The nightlife in a city like cancun is out of this world, with night clubs open from dusk until dawn filled with beautiful women and men just there to have a great time and live it up while they are young. I can almost hear the thumping beat and see the pretty girls dancing now when I think about it.

You can go where you want to to suit your tastes. For some, a trip to the lovely green hills of Ireland is more their speed, and the cool, rocky, foggy shores do good things for their soul. Or of course, the Caribbean with its balmy weather and mellow, laid back culture has many popular destinations for beach rentals. You could go to Jamaica if you wanted to, like I did once, listen to reggae and steel drum all night, and go back home with a new lease on life. (more…)

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Beach Front Real Estate and More!

 Looking to buy a house on the beach?

Beach ChairIf you are looking a for a beach house to buy – or maybe even rent – this blog will help you get focused on completing your goals to invest in real estate fast!

Sure – we all WANT to live by the beach – but not everyone can afford it.

There are some great buys right now however – if you have enough for the down payment you may be able to sneak in and grab a prime piece of real estate while the prices are unusually low. Plus many houses on the market offer owner financing! That will make it easier to get in the house!

Read more about how to find my beach house and get some good insights to reals estate and investing options.

Lots of people are taking advanatge of this opportunity to buy real estate cheap! We hope we can help you with ideas and techniques!

 Two female girls jogging on the sand beach in late…

Thanks for stopping by the find my beach house website and real estate and finance blog!

More info on owner financing and other financial terms related to buying a home

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